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        <div class="big-title">小额事故，如何处理？</div>

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            <div style="height:344px;margin-top:10px;overflow:auto;"><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">小额</span><span style="font-size: 14px; font-family: 宋体;">事故，如何处理？</span></span></p><p><span style="font-family: 宋体;font-size: 14px">&nbsp;</span></p><p style="line-height:150%"><span style="color: rgb(255, 255, 0);"><span style="color: rgb(255, 255, 0); font-size: 14px; font-family: 宋体;">自助报案，一键定损！</span></span></p><p><span style="font-family: 宋体;font-size: 14px">&nbsp; &nbsp; 小额事故报案后，无需等待查勘员到场查勘定损，扫描太平洋产险专属定损二维码到4S店视频连线远程定损即可，全程畅通、透明，在车主见证下定损，确认损失金额后即可一键理赔。</span></p><p style="line-height:150%"><span style=";font-family:宋体;font-size:14px"><br/></span></p><p style="text-align:center"><span style=";font-family:宋体;font-size:14px"><img src="/upload/ueditor/image/20181102/1541147978737812.jpg" title="1541147978737812.jpg" alt="微信图片_20181102164141.jpg"/></span></p><p><span style="color: rgb(255, 255, 0);"><span style="color: rgb(255, 255, 0); font-size: 14px; font-family: 宋体;">小额事故标准及处理方法详解</span></span></p><p><span style="font-family: 宋体;font-size: 14px">&nbsp;</span></p><table width="100%"><tbody><tr class="firstRow"><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=""><span style="font-size: 14px; font-family: 宋体;">序</span></span></p><p style="text-align:center"><span style=""><span style="font-size: 14px; font-family: 宋体;">号</span></span></p></td><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=""><span style=" font-size: 14px; font-family: 宋体;">事故</span></span></p><p style="text-align:center"><span style=""><span style="font-size: 14px; font-family: 宋体;">标准</span></span></p></td><td valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=""><span style="font-size: 14px; font-family: 宋体;">处理</span></span></p><p style="text-align:center"><span style=""><span style="font-size: 14px; font-family: 宋体;">方法</span></span></p></td></tr><tr><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style="font-family: 宋体;font-size: 14px">1</span></p></td><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=";font-family:宋体;font-size:14px">日间</span></p><p><span style=";font-family:宋体;font-size:14px"><span style="font-family:Calibri">2000</span><span style="font-family:宋体">元以下单方车损事故</span></span></p></td><td valign="top" style="padding: 0px 7px; "><p><span style=";font-family:宋体;font-size:14px">95500<span style="font-family:宋体">热线报案——扫描二维码（</span></span><span style=";font-family:宋体;font-size:14px">下载</span><span style=";font-family:宋体;font-size:14px">“太平洋保险”手机<span style="font-family:Calibri">APP/</span><span style="font-family:宋体">关注“太平洋产险”微信公众号、微信扫描前挡风静电贴下方二维码</span><span style="font-family:Calibri">/</span><span style="font-family:宋体">或微信搜索小程序“太贴心”）——自助报案——拍摄现场照片——到指定合作修理厂定损、维修，免票直赔。</span></span></p></td></tr><tr><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style="font-family: 宋体;font-size: 14px">2</span></p></td><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=";font-family:宋体;font-size:14px">5000<span style="font-family:宋体">元</span></span></p><p><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">以内单方车损案件</span></span></p></td><td valign="top" style="padding: 0px 7px; "><p><span style=";font-family:宋体;font-size:14px">手机终端安装自助查勘<span style="font-family:Calibri">APP</span><span style="font-family:宋体">——自行与后台定损人员沟通定损，及时撤离第一现场，保障道路畅通。</span></span></p></td></tr><tr><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style="font-family: 宋体;font-size: 14px">3</span></p></td><td width="5%" valign="top" style="padding: 0px 7px; "><p style="text-align:center"><span style=";font-family:宋体;font-size:14px">5000<span style="font-family:宋体">元</span></span></p><p><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">以内单方车损案件</span></span></p></td><td valign="top" style="padding: 0px 7px; "><p><span style=";font-family:宋体;font-size:14px">现场免单直赔，可由太保查勘外勤当场予以处理，无需报警，快速赔付</span></p></td></tr></tbody></table><p><span style="font-family: 宋体;font-size: 14px">&nbsp;</span></p><p><span style="font-family: 宋体;font-size: 14px">&nbsp;</span></p><p><span style="font-size: 14px; font-family: 宋体; color: rgb(255, 255, 0);">单方事故理赔详解</span><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">：</span></span></p><p style="text-indent:12px"><span style="font-size: 14px; font-family: 宋体; color: rgb(255, 255, 0);">简介：</span><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">指不涉及</span></span><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">人员伤（亡）及第三者财物损失的单方交通事故。</span></span></p><p><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">（例：碰撞外界物体</span>,<span style="font-family:宋体">自身车辆损坏</span><span style="font-family:Calibri">,</span><span style="font-family:宋体">但外界物体无损坏戒者无需赔偿。）&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></span></p><p><span style="font-size: 14px; font-family: 宋体; color: rgb(255, 255, 0);">事故处理：</span><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">单方肇事是最为常见的一类事故，因为不涉及第三者的损害赔偿，仅仅造成被保险车辆损坏，事故责任为被保险车辆负全部责任，所以事故处理非常简单。</span></span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">报案：</span></span><span style="font-size: 14px; font-family: 宋体;">事故发生后，保留事故现场，并立即向投保的保险公司报案。</span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">现场处理</span><span style="font-size: 14px; font-family: 宋体;">：</span></span><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">损失较小</span>(<span style="font-family:宋体">一万元以下</span><span style="font-family:Calibri">)</span><span style="font-family:宋体">，保险公司派人到现场查勘，并出具《查勘报告》。损失较大</span><span style="font-family:Calibri">(</span><span style="font-family:宋体">一万元以上</span><span style="font-family:Calibri">)</span><span style="font-family:宋体">，如查勘员认为需要报交警处理，会向交警部门报案，由交警部门到现场调查取证，并出具《事故认定书》。</span></span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">定损修理</span><span style="font-size: 14px; font-family: 宋体;">：</span></span><span style=";font-family:宋体;font-size:14px"><span style="font-family:宋体">车主将车辆送抵定损中心并同时通知保险公司定损</span>——修理厂修车——车主提车。</span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">提交单证进行索赔</span><span style="font-size: 14px; font-family: 宋体;">：</span></span><span style="font-size: 14px; font-family: 宋体;">收集索赔资料并将材料交保险公司办理索赔手续。</span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">损失理算</span><span style="font-size: 14px; font-family: 宋体;">：</span></span><span style="font-size: 14px; font-family: 宋体;">保险公司收到齐备的索赔单证以后进行理算，并确定最终的赔付金额。</span></p><p><span style="color: rgb(255, 255, 0);"><span style="font-size: 14px; font-family: 宋体;">赔付</span><span style="font-size: 14px; font-family: 宋体;">：</span></span><span style="font-size: 14px; font-family: 宋体;">保险公司的财务人员会根据理赔人员理算后的金额，向车主指定的银行帐户划拨赔款）</span></p></div>
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